Pension Plans
Planning for the future is key, and at Horos we offer pension plans designed to optimize your tax savings and maximize the profitability of your contributions. With a strategy based on international investment and a disciplined long-term approach, our plans help you build a more profitable investment for the future.
Pension Plan Horos Internacional PP
The Value International Pension Plan invests in global equities, applying the principles of value investing. This plan offers access to international markets and seeks to maximize the value of contributions through active and rigorous management. Ideal for those who wish to diversify their savings and increase their long-term profitability.
More about Horos International PPPension plan Horos Internacional Empleo PPE
Our Employee Pension Plan is designed for companies seeking to offer their employees an additional benefit to complement their retirement. It allows joint contributions between the company and the employee, maximising tax savings and guaranteeing professional management oriented towards the long term.
More about Horos International PPEPension plan Horos Internacional Autónomos PPES
The Self-Employed Pension Plan is specially designed for self-employed workers who wish to encourage their voluntary savings. With flexible contributions and significant tax benefits, this plan allows deductions of up to €5,750 per year. An ideal solution to ensure a solid financial future, even without the benefits of a traditional employment plan.
More about Horos International PPESBenefits of pension plans in Horos
Investing in Horos pension plans allows you to take advantage of an active management strategy based on identifying long-term value. Our plans are designed to adapt to your needs, whether you are self-employed, an employee or a company, always prioritising profitability and tax savings.
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Frequently asked questions about pension plans
Find all the answers in our FAQ section.
What are pension plans?
They are long-term savings instruments whose objective is to build up capital to cover the contingencies specified in the fund, such as retirement, disability in its various degrees, severe dependency, great dependency or death, long-term unemployment, among others.
How to register as a client in a Horos pension plan?
You can register directly on our website at this link.
During the registration process, we will request your personal information, tax address, and we will require you to complete a convenience test and a knowledge test. When you finish the registration, you must tell us whether your transaction corresponds to an extraordinary contribution or an entry transfer from another pension plan. You will also have to upload a copy of your ID or send it to info@horosam.com to complete the process.
How can a pension plan be redeemed?
The investment can be redeemed in the event of various contingencies, such as retirement, disability, long-term unemployment or death (redemption by the beneficiaries). In addition, the possibility of redemption is considered in situations of prolonged unemployment after exhausting the contributory benefit and in cases of serious illness affecting the participant, his/her spouse, ascendants or descendants.
Also, the option of redemption after 10 years is established. With the tax reform implemented by the government since January 2015, pension funds can be redeemed after 10 years have passed since their acquisition, without the need for additional justification. It is important to note that, even if a 10-year seniority has been reached by December 31, 2014, the benefit cannot begin to be received under this condition until 2025.
Can I have a pension plan in two different entities at the same time?
Yes, it is possible to have the same pension plan with two different marketing entities, or even have it directly with us and with a third entity.
Do you have more questions?
We answer more questions in the ‘Frequently Asked Questions’ section
Transfer your investment fund to HOROS and improve the profitability of your savings
Do you have capital invested in funds with such low returns that they barely beat inflation? The Horos management team, specialized in variable income, has multiplied its participants' money by 4 since 2012, with a 12% annualized return, net of commissions, in said period.
You've probably heard that investing in stocks is risky because they fluctuate more than other assets. If your time horizon when investing is 5 or more years, this volatility should be seen as an opportunity to buy assets with high revaluation potential at a better price. And, despite all the events that have happened, and will continue to happen, throughout history, equities are, by far, the most profitable asset of the last 200 years.
Transfer your investment fund to Horos and invest with the management team that leads profitability in this type of asset in the last 5 years among managers domiciled in Spain*.
*VDOS: “Map of investment fund managers” 3T24.
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